If you're employed, it's important to be aware of the workers compensation laws in your area. According to the Insurance Information Institute, about nine out of 10 people in the nation's workforce are protected by this type of insurance. However, if you are injured on the job, getting these benefits can sometimes feel tricky or unfamiliar. It can be helpful to educate yourself about this system and how it works before any unforeseen events have occurred. Let's look at a few things you need to know about workers compensation law.

What Is Workers Compensation?

Each state has laws that require employers to provide their employees with workers compensation benefits if an employee is injured on the job. Many employers provide this coverage as part of their employees' benefits package. If an employee is injured, the worker's comp benefits will likely provide that individual with a certain amount of income and/or pay for medical expenses related to the accident.

What Is Typically Included?

Many benefit packages will include wage loss, medical, and even death benefits to surviving family members if the worker loses their life on the job. Wage loss benefits may not cover an employee's full salary. When it comes to finding out how much you should legally be paid, it's important to know the workers compensation law in your area.

Is Fault an Issue?

When handled correctly, there shouldn't be a question of whose fault the injury was. Workers compensation benefits are typically granted based on who was at fault. If you were at work, during work hours, performing work-related tasks when the injury took place, you likely qualify for your benefits. However, this is where some employees may find it tricky, especially if an employer wants to make this process difficult. If you're currently going back and forth with your employer about who was at fault, it might be necessary to get the help of a legal professional.

As an employee, it's crucial to protect yourself and know what benefits are available to you. Educating yourself on local workers compensation law can help you advocate for yourself in the workplace. If you need assistance navigating a workers comp case, please contact the attorneys at Curtis, Porter & Adams, PLLC today. We are here for your legal needs.